36 Months

$500 Min.

2.35%APY

48 Months

$500 Min.

2.70%APY

60 Months

$500 Min.

2.80%APY

84 Months

$500 Min.

Early withdrawals on Certificates are subject to penalty. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on your account for account terms of one year or less and 180 days of dividends for accounts terms greater than one year.

AS HIGH AS

0.00%APY

$0 - $4,999

AS HIGH AS

0.10%APY

$5,000 - $24,999

AS HIGH AS

0.15%APY

$25,000+

$5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.

FREE Standard Senior Checks for members age 70 and older or 50% off catalogue on duplicate wallet style checks for members age 70 and older.

Citadel FREE Checking

$5.00 overdraft transfer

Citadel STAR Checking

$7.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if one of the following criteria is met:Maintain an average daily balance of $500.00 in your STAR Checking account or Maintain $10,000 in total household deposit, investment and loan balances

$5.00 overdraft transfer (3 free per month then $5.00 each)

Citadel Premiere Checking

$17.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if one of the following criteria is met:Maintain an average daily balance of $5,000 in your Premiere Checking account or Maintain $25,000 in total combined household deposit, investment and loan balances

$1,000,000.01 and over

Variable

0.70% APY

$0 - $1,000,000

Variable

0.60% - 0.70% APY

$1,000,000.01 and over

Variable

$10.00 monthly service fee—waived if average daily balance is $10,000 or more

$25.00 withdrawal fee for each withdrawal or transfer (one free per calendar quarter, then $25.00 each)

$5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.

$75,000+

AS HIGH AS

0.10%APY

No Minimum Required

$5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.

$5.00 monthly service fee waived for 60 days following account opening; after 60 days monthly service fee waived if one of the following criteria is met:Active Citadel checking account

Citadel Mastercard® with activity in the last 90 days

Combined household deposit balance of $1,500

Combined household deposit, investment and loan balance of $2,500

A loan balance greater than $0.00

Monthly service fee does not apply to any account held by a member under age 21

Money Market Account Rates

AS HIGH AS

0.10%APY

$2,500 - $24,999

AS HIGH AS

0.30%APY

$25,000 - $74,999

AS HIGH AS

0.60%APY

$75,000+

$10.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if average daily balance is $2,500 or more

$5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.

All Citadel Fees

$5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.

FREE Standard Senior Checks for members age 70 and older or 50% off catalogue on duplicate wallet style checks for members age 70 and older.

Citadel FREE Checking

$5.00 overdraft transfer

Citadel STAR Checking

$7.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if one of the following criteria is met:Maintain an average daily balance of $500.00 in your STAR Checking account or Maintain $10,000 in total combined household deposit, investment and loan balances

$5.00 overdraft transfer (3 free per month then $5.00 each)

Citadel Premiere Checking

$17.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if one of the following criteria is met:Maintain an average daily balance of $5,000 in your Premiere Checking account or Maintain $25,000 in total combined household deposit, investment and loan balances

$5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.

$5.00 monthly service fee waived for 60 days following account opening; after 60 days monthly service fee waived if one of the following criteria is met:Active Citadel checking account

Citadel Mastercard® with activity in the last 90 days

Combined household deposit balance of $1,500

Combined household deposit, investment and loan balance of $2,500

A loan balance greater than $0.00

Monthly service fee does not apply to any account held by a member under age 21

CITADEL HIGH YIELD SAVINGS

$10.00 monthly service fee—waived if average daily balance is $10,000 or more

$25.00 withdrawal fee for each withdrawal or transfer (one free per calendar quarter, then $25.00 each)

$5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.

CITADEL MONEY MARKET ACCOUNTS

$10.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if average daily balance is $2,500 or more

$5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.